IRDA Health Insurance New Update | Health Insurance Policy For Family | Health Insurance Kaise Kare
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- Опубліковано 10 лип 2024
- In a significant move towards the empowerment of policyholders and bolstering inclusive health insurance, the Insurance Regulatory and Development Authority of India (IRDAI) has announced a major revamp of regulatory norms. The regulator has issued a comprehensive Master Circular on Health Insurance Products repealing 55 circulars. Read the details here:
IRDAI Master Circular: irdai.gov.in/document-detail?...
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Discover how the latest IRDAI regulations are set to revolutionize your health insurance experience in India!
In this video, I, Swati, your financial educator, explain the significant changes in simple terms.
Learn how health insurance policies will now cater to all age groups, including those with chronic illnesses.
Find out about new provisions for OPD coverage, faster cashless authorization, and the elimination of post-treatment claim hassles.
We'll also discuss how insurance companies must now simplify policy language and make claim rejection decisions through a committee.
This video is essential for anyone looking to understand health insurance better, choose the best health insurance company, and maximize their health insurance benefits.
Watch the full video and check out the links in the description box.
Time Stamp
0:00 Intro
0:40 Health Insurance Policy Update
1:06 Health Insurance for OPD
1:30 Cash Less Claim in Health Insurance
1:46 Health Insurance Claim Process
2:08 Cash Less Claim
2:58 Health Insurance Claim Rejection Process
3:10 Health Insurance Plan
3:38 Health Insurance IRDA Update
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Very nice 😅😅
Agree. These improvements will be really helpful. We ended medical insurance after disappointing responses for treatment of old age family memebers. If the circulars are implemented properly, will buy again.
The problem with cashless claims is the nexus between Health insurance companies and the hospital where hospitals inflate bills, include unnecessary tests, or inflate existing tariffs this depleting the cover. This is where IRDA should step up intervention.
You are completely wrong. Only hospitals are responsible to inflate bills when they see that the person is covered under insurance. And the patient also doesn't mind if hospitals inflate bills coz it is the insurance company that has to pay the bills by end of day . In fact, it is the insurance companies that are facing these issues of inflated bills, that is why they also ask hospitals for tariffs before approving any amount. Get your facts right! Am into insurance sector for over two decades.
@@rakeshkumar-nz6fg what do you do in the insurance sector may I ask? I am a management consultant with top fortune 50 companies as my clients who are global leaders in insurance and BFSI sector. The aspects I have seen in their processes is mind boggling. There is an entire documentary on the same. Health insurance companies have a clause/understanding with network hospitals if there is a medical insurance, they are to quote a particular service at Rs. 20 which would have otherwise costed Rs. 4. The additional Rs. 16 is then split between the insurance companies and the hospital where hospitals get Rs. 6 and insurance provider gets Rs. 10. So, without an insurance, hospital would have earned Rs. 4 and with an insurance, hospital earns Rs. 10. While entire Rs. 20 is paid by the insurance provider as Mediclaim, they get back Rs. 10 in the end. This is a win win for both and only person who is at loss is the customer who depletes his cover and also pays the premium.
@@rakeshkumar-nz6fgsir, there is an entire documentary on the same… and I have been working as a management consultant for global Insurance clients. The hospitals will charge you more when they find out you have a medical insurance. The additional amount is divided between insurance company and hospitals. Both are in a win-win situation. The amount paid by the insurer is almost reduced in half by this and the hospitals profit doubles. This is why each hospital wants to tie up with more and more insurance providers where these insurance companies make huge amounts of money from the hospitals, premiums and the settlements.
@@rakeshkumar-nz6fgnot sure why my comments explaining this are getting deleted as soon as I post them. But research a little about this please. There’s an entire documentary on this.
Agree to this. Their entire price menu changes once they know if patient have insurance. If you ask them abt difference in prices they wil simply says because you are under insurance.
Nice Swati ji. Please make a video on which health insurance we can opt for in present times.
All insurance company must cover aayurveda therapy also which is now a days necessity as lifestyle diseases are increasing day by day.
As per the circular: Insurers are required to make available products/add-ons/riders to provide wider choice to the policyholders/prospects catering to all systems of medicine and treatments including Allopathy, AYUSH and other systems of medicine.
AYUSH stands for Ayurveda, Yoga, Unani, Siddha and Homeopathy. Stay Blessed, Healthy & B Wealthy
How IRDA become so customer friendly since so far it has acted just like insurance company lobbyist
Good question :) Stay Blessed, Healthy & B Wealthy
देवी जी हम आप प्रसन्न है। धन बचाने के लिए आपके वीडियोप्रेरणादायक है । सुखी रहो क्योंकिआप हमें सुखी करती हो।
All these will remain "RULES" on paper unfortunately. None of the Private Hospitals will enforce this
Dil se shukriya ye jaankaari share karne ke liye
Great informative video, but Insurance company is more smarter than IRDA
Let's wait and watch :) Stay Blessed, Healthy & B Wealthy
Good initiative by IRDA..
Government must also take some action and must remove GST from products like insurance.
Thank you for watching the video. Stay Blessed, Healthy & B Wealthy
Many rules are there now as well..problem is no one follows it. Hope the changes are followed by both insurance companies & hospitals
Informative video
I shared
Thanks 👍👍😊
Thank you Ma'am
For good information
Thanks for this important & useful info! And also for providing a link to the actual document!
Again a big thanks 🙏👍 ma'am
Thanks to you too Niharika Jee for watching the video. Stay Blessed, Healthy & B Wealthy
बहोत सुंदर जाणकारी 🌹🌹🌹🌹
Hi.. love your videos.. can you make a video on health insurance policy porting. I heard u can transfer from one health insurance company to another
Thank you for this information
Very nice useful information ❤
Thanks mam, for important information....👍
Thank you 🙏 ma'am for making this video,ye niyam kab se laagu hogi???
Thanx Madam
Thank you for watching the video. Stay Blessed, Healthy & B Wealthy
Verry informative 👍
Bahut badhiya
Thank you for watching the video Abhinesh Jee. Stay Blessed, Healthy & B Wealthy
Thanks mam for this information 😊
Very Nice information Swati ji...your explanation is beautiful..😊👍👌
Thank you Anil Jee. Stay Blessed, Healthy & B Wealthy
Thanks
First of all thanks for this informative video. Swati ji, is there update for Term insurance as well. There is no transparency in term insurance as well. They show you a low premium but after medical tests without giving any proper explaining they send you the revised higher premium. Can we expect some changes in term insurance as well in the near future?
Nice
Superb information, Tq Mam
Thank you for watching the video. Stay Blessed, Healthy & B Wealthy
Great 👍 Mam thank you update
Thank you for watching the video Ashok Jee. Stay Blessed, Healthy & B Wealthy
Informative video
Thank you Shyam Jee. Stay Blessed, Healthy & B Wealthy
Good 1 Thanks
Thank you for watching the video. Stay Blessed, Healthy & B Wealthy
Wow Swati ma'am. It's really good news. What is the last date for the companies to update their policies. Because I want to buy a good health policy.
IRDA KE KADAM SE KYA HOSPITAL - INSURANCE COMPANY KA NEXUS KHATAM HOGA ? CLAIM CANCEL / Diducation ka dusara tarika khoja jayega.
Swati ji I am a retired person having health insurance since 2002. My initial premium in 2002 was Rs. 4000 approx which has increased to 78000 this year. Increase during the year was 50 percent as I have completed 65 years. Any take on this. ???
Aap top up policy le sakte h . Premium km ho jayega. Base policy cover km kr k . Top up le lijiye
ऐसा हो जाये तो बहुत ही अच्छा होगा
जी नीलेश जी। Stay Blessed, Healthy & B Wealthy
Nice information ma'am
Thank you Paresh Jee. Stay Blessed, Healthy & B Wealthy
Mam apka tv kitane inch ka hai
Please suggest best health insurance policy
Tata AIG medicare best
Badte primium ka kaya hoga mam???
Is this new regulation is applicable who have purchased in past 5rs ago. Can pls you pls answer for this
Sublimits is one unaddressed issue
Ispe action kb tak ho jaiga. So that I can by a updated policy .
भारत मे 24 भाषाओं को मान्यता प्राप्त है।कोई भी पालिसी 2 भाषाओं में प्रदान की जाना चाहिये।
1 अंग्रेजी और
2 क्षेत्रीय भाषा (पोलिसी धारक की भाषा)
Porting of health insurance policy?
Hope premium will not increase with all the big changes
🤣🤣 kya majak hai.... Premium badhega hi... Sirf India mein insuance companies profit ke liae kam karti hai na ki bhalai ke liae.... choti choti galtiyann nikal ke claim reject kar rahi hai....
Thanks